| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMG BRICKELL INC3 Filed as: AMG BRICKELL INC. | 12864 BISCAYNE BLVD STE 194 NORTH MIAMI BEACH, FL 33181 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 9.86% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE ASSOCIATES INC | 1100 NE 163RD STREET 2ND FLOOR MIAMI BEACH, FL 33162 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| AMG BRICKELL INC3 Filed as: AMG BRICKELL INC. | 1111 PARK CENTRE BLVD STE 401 MIAMI, FL 33169 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 20.00% |
| AMG BRICKELL INC3 Filed as: AMG BRICKELL INC. | 1111 PARK CENTRE BLVD STE 401 MIAMI, FL 33169 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| AMG BRICKELL INC3 Filed as: AMG BRICKELL INC. | 1111 PARK CENTRE BLVD STE 401 MIAMI, FL 33169 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| AMG BRICKELL INC DBA AGENTS MARKETI3 Filed as: AMG BRICKELL IN. | 12864 BISCAYNE BLVD STE 194 NORTH MIAMI BEACH, FL 33181 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $875 | — | $875 | 9.99% |
| SAPOZNIK INSURANCE & ASSOCIATES INC3 Filed as: SAPOZNIK INSURANCE ASSOCIATES INC | 1100 NE 163RD STREET 2ND FLOOR MIAMI BEACH, FL 33162 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $1 | — | $1 | 0.01% |
| AMG BRICKELL INC3 Filed as: AMG BRICKELL INC. | 1111 PARK CENTRE BLVD STE 401 MIAMI, FL 33169 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $787 | — | $787 | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHPLANS, INC. EIN 04-2734278 PLAN ADMINISTRATOR | Contract Administrator; Claims processing; Insurance brokerage commissions and fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance agents and brokers Service code 12 | 1500 WEST PARK DRIVE SUITE 330 WESWTBOROUGH, MA 01581 | $239K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 232 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 141 | $71K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 76 | $8K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 91 | $11K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 146 | $39K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 101 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.